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'Husband cannot use wife's debit card': SBI wins legal battle against Bengaluru couple

SBI argued that debit cards are non-transferable.

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A Bengaluru woman, who shared her debit card PIN with husband so he could withdraw cash from the ATM, lost a legal battle against the State Bank of India (SBI) on the ground that ATM cards are non-transferable.

On November 14, 2013, Vandana gave her debit card with the PIN to her husband to withdraw Rs 25,000 from a local SBI ATM.  Her husband, Rajesh Kumar, claimed that the machine delivered a slip but no cash was dispensed. When the couple's plea to SBI elicited no response, they moved a consumer forum which ruled in the favour of Indias largest lender after a three-year-long battle. 

Immediately after the 'failed' transaction, Rajesh Kumar called the SBI customer care which said that it was an ATM fault and the money would be reverted to the account within 24 hours, the Times of India reported. After no return, he filed a complaint with the SBI, which closed the case in a few days claiming that the transaction was correct and the cash was dispensed.

When the couple approached the bank with the CCTV footage of the ATM cabin showing no cash being dispensed, a probe committee ruled that the cardholder was not seen in the footage. Before approaching the consumer forum, the couple made a final plea to the bank ombudsman who ruled against them saying ‘PIN shared, case closed.’

In the court, SBI held that while that the customer violated rules by sharing ATM PIN, the stated ATM transaction was successful and Kumar received the cash. 

After a legal battle of three-and-a-half years, the consumer court ruled on May 29, 2018 that Vandana should not have shared the PIN bit should have given a self-cheque or an authorisation letter to her husband for withdrawal of money.

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